I may start by saying that I've had great experiences with AA breakdown cover so I went ahead with their AA Warranty for the car I bought from Car Giant who suggested that I get the cover. However, I would say that if I could turn back time I would gladly refuse to even touch AA Warranty barge pole. They have put me through sooo much stress and frustration that I've had a week long sleepless nights. See story below. It all started off with loss of power in my BMW 530d. I took it to my regular garage who suggested that the glow plugs didn't fire due to breakdown of the control unit. Due to that issue the engine hasn't regenerated as it should 300 miles or so and the DPF has clogged up. AA refused to pay for the glow plugs as they consider them to a serviceable part even though the car manufacturer BMW doesn't class them as a serviceable item unlike a spark plug but would pay for the control unit. As I had my doubt I took it to Halfords for a double check on recommendations of the novice customer service agent at AA. At Halfords they couldn't figure out what the problem was so asked me to take it to the dealer. I thought maybe another garage be able to check as the dealer is quite expensive. Took it to another local garage who also suggested that I take it to the dealer. At the BMW dealer service centre they said the inlet manifold has broken down due to engine non regeneration and consequencial carbon build up. The regeneration hasn't taken place due to the breakdown of the control unit. The manifold now all clogged up and broken down was considered to be wear and tear by AA agent who refused to accept the dealers findings and decided to reject the claim due to carbon build up and calling it wear and tear. I clearly asked dealer mechanic if this issue was normal for this car and I quote " this is an abnormal breakdown ". Again the super mechanic refused accept but this time claiming that the build up was of a result age and long time carbon build up which the BMW dealers disagree as they believe that the engine regeneration would clear all that carbon build up on a regular. So now I'm sitting on a £1500 repair cost and with a warranty worthless to every hard earned penny I paid towards it. I have now decided to take it up with the Ombudsman and the fair trade organisation. This company has mentally stressed me, I've had sleepless nights and stress related fits, they're agents who answer calls have no tech experience and they are simply rude. They make you feel as though you're committing a crime asking them to pay for the claim. It's 3.30am and I'm still awake. This is an organisation who will try every trick in the insurance companies books to swiggle out of a claim. The issue is still pending review by the so called complaints team. I am waiting for their letter or as they say, deadlock letter so I can then take them to Ombudsman. My advice, use any other company but this AA or RAC which are underwriting by the same motorways direct company. In my opinion, get your car manufacturers to supply you warranty which will cost you the same or £50-£100 more. I'd say it's worth the extra cost.
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